Out of uniform
The benefit doesn't expire.
Veterans, retirees and surviving spouses use the VA loan for decades after service — a second time, a refinance, a first house at 50. The rules are the same; the questions are different. Start with what your rating carries, then the entitlement you have left.
What your rating carriesDisability compensation by rating, and the home price it reaches
Use it againEntitlement, restoration, refinancing the one you have
Your state's benefitsProperty-tax exemptions and state programs that stack on the VA loan
The pages, in the order the questions come
Can I use my VA loan more than once?
How VA entitlement actually works: full versus remaining entitlement, the 25% guaranty, why the loan limit disappears with full entitlement, and how to use the benefit again while you still have a VA loan.
How do I restore my VA entitlement after selling my house?
The three ways VA entitlement is restored — sale and payoff, the one-time restoration without selling, and substitution on an assumption — what each requires, how to file, and the cases where entitlement cannot be restored.
Can I buy a house at my new duty station if I still have a VA loan on my old house?
How to buy at a new duty station with a VA loan while the old house still carries one: the second-tier entitlement calculation step by step, when a down payment enters, how the old house's payment and rent are treated, and what to do before you leave the old station.
Do I have to pay the VA funding fee if I have a disability rating?
Who pays the VA funding fee, who is exempt, how the percentage changes with down payment and prior use, and what happens when a disability rating arrives after closing.
Can I get my VA funding fee refunded if my rating comes through after closing?
How VA funding fee refunds work when a disability rating is granted after closing: the effective-date rule, pre-discharge and pending ratings, how to request the refund, how it is applied when the fee was financed, and what to do before closing if a claim is pending.
How does a VA streamline refinance work?
How the VA Interest Rate Reduction Refinance Loan works: no appraisal or income verification in most cases, the 0.5% funding fee, the net tangible benefit and seasoning rules that protect borrowers from churning, what can be rolled in, and when an IRRRL is not the right move.
How much equity can I take out with a VA cash-out refinance?
How the VA cash-out refinance works: VA allows up to 100% of appraised value while most lenders cap lower; the Type I versus Type II distinction that decides the disclosures and tests; the net tangible benefit, seasoning and recoupment rules; the full funding fee; and when it beats a HELOC or a second mortgage.
Can a surviving spouse use a VA loan?
Who qualifies as a surviving spouse for VA home loan purposes, how remarriage affects it, what the funding fee exemption covers, which forms establish eligibility, and how the loan works once the COE is issued.
Apply with Kyle
Years out and ready to use it?
Send Kyle your COE, your rating letter if you have one, and the state you are buying in. You get the answer for your entitlement, not the general one.